Atul Dcunha
Authorized Officer
Mumbai
Summary
Compliance and risk management professional with proven expertise in Financial Crime Prevention, AML, and transaction surveillance. Adept at identifying suspicious transactions, mitigating financial crime risks, and ensuring strict adherence to global and local regulatory frameworks. Experienced in fraud detection, sanctions screening, and regulatory reporting with a strong track record of process optimization and team leadership. Recognized for critical thinking, problem-solving, and strategic planning that enhance compliance efficiency and reduce regulatory risk
Overview
9
9
years of professional experience
Work History
Authorized Officer
UBS Business Solutions India Private Limited
04.2023 - Current
- Led a team of four analysts in conducting transaction surveillance across retail and corporate portfolios, ensuring timely detection and escalation of unusual activity
- Led surveillance operations to detect and investigate suspicious transactions, strengthening AML/CTF compliance
- Ensured full adherence to global and local AML/CTF regulatory frameworks
- Conducted employee training on financial crime risks and regulatory best practices, improving awareness and reducing breaches
- Leveraged AI-driven transaction monitoring systems to improve sanctions screening efficiency and reduce false positives
- Coordinated with compliance, legal, and offshore teams to ensure seamless communication, accurate reporting, and consistent regulatory alignment
- Managed end-to-end enhanced due diligence (EDD) for high-risk clients, ensuring compliance with regulatory expectations
- Contributed to continuous process improvements by streamlining workflows and recommending automation enhancements
Assistant Process Manager
eClerx Services Limited
11.2018 - 04.2023
- Lead and mentor a team of six analysts and investigators, overseeing AML reviews, transaction monitoring alerts, and fraud investigations to ensure timely and accurate case resolution
- Conduct audits of KYC reviews for Bank of Montreal clients, providing quality assurance and ensuring compliance with regulatory standards
- Established a dedicated screening team to deliver error-free results, streamlining case processing and improving turnaround time
- Coordinated with Relationship Managers and Sales teams to obtain missing documentation, ensuring records were complete and regulatory compliant
- Acted as key liaison between Compliance, senior management, and business units, facilitating smooth communication and alignment on risk issues
- Designed and delivered team training sessions to share regulatory updates, enhance investigative skills, and strengthen overall compliance knowledge
- Hosted weekly Quality Control (QC) analysis calls with clients, discussing recurring errors and implementing corrective actions to improve accuracy
Associate Analyst
Wipro Limited
08.2016 - 11.2018
- Performed KYC due diligence on Citi Bank customers, ensuring compliance with global AML regulations and internal standards
- Investigated adverse media and negative news for clients and key managers to assess reputational and financial risks
- Researched client income sources, ownership structures, and ultimate beneficial owners (UBOs) to validate transparency and mitigate financial crime risks
- Onboarded new clients into internal systems, ensuring priority KYC completion within regulatory timelines
- Partnered with Relationship Managers to gather and update documentation, ensuring smooth client setup and compliance with onboarding SLAs
- Utilized compliance platforms (e.g., World-Check, LexisNexis, Dow Jones) to conduct screening, risk assessments, and ongoing monitoring
- Prepared and maintained accurate KYC records and audit trails to support regulatory reviews and internal audits
- Contributed to process improvement initiatives by identifying gaps in document collection workflows, reducing rework and case delays
Education
Masters in Financial Management - Finance
N.L. Dalmia Institute of Management Studies And Re
Mumbai, India 04.2001 -
Masters in Commerce - Accounting And Finance
Mumbai University
Mumbai, India 04.2001 -
Bachelors of Commerce -
St Gonsalo Garcia College
Mumbai 04.2001 -
Skills
- Team coordination
- AML/KYC and Transaction Surveillance Expert
- Proficient in monitoring techniques
- Evidence-based analysis
- Creative problem-solving
- Strong attention to detail
Timeline
Authorized Officer
UBS Business Solutions India Private Limited
04.2023 - Current
Assistant Process Manager
eClerx Services Limited
11.2018 - 04.2023
Associate Analyst
Wipro Limited
08.2016 - 11.2018
Masters in Financial Management - Finance
N.L. Dalmia Institute of Management Studies And Re
04.2001 -
Masters in Commerce - Accounting And Finance
Mumbai University
04.2001 -
Bachelors of Commerce -
St Gonsalo Garcia College
04.2001 -
Similar Profiles
Rajendra KulkarniRajendra Kulkarni
Name & Media Screening Analyst at UBS Business Solutions( India) Private LimitedName & Media Screening Analyst at UBS Business Solutions( India) Private Limited
Jayesh JainJayesh Jain
Java Engineer at UBS Business Solutions (India) Private LimitedJava Engineer at UBS Business Solutions (India) Private Limited
Swapnil BansodeSwapnil Bansode
Authorized Officer at UBS Business Solutions India Private LimitedAuthorized Officer at UBS Business Solutions India Private Limited
Tamanna AgarwalTamanna Agarwal
Consultant Specialist at HSBCConsultant Specialist at HSBC
Bhoomi KumbhaniBhoomi Kumbhani
Clinical Physiotherapist at Umiya Physiotherapy ClinicClinical Physiotherapist at Umiya Physiotherapy Clinic